Answer-What is 'virtual memory' in Operating Systems?

Virtual memory uses a swap filepartition on disk to extend apparent RAM. Pages of inactive processes are moved to disk page out swap out, freeing physical RAM for active processes. When needed, they are loaded back page in swap in. Accessed via paging or segmentation. The MMU Memory Management Unit handles virtual-to-physical address translation using page tables. Excessive swapping causes thrashing. Banks run memory-intensive core banking applications and must size RAM appropriately to minimize swapping.